How To Use Your Credit

Card Abroad Safely

Travelling with credit cardsIt's easy to get confused when you look at all the credit card offers that have travel perks out there. However, if you educate yourself about credit cards, you won't sign up for a card with a high interest rate or other problematic terms. Read this article to learn more about credit cards, so that you can figure out which card best suits your needs.

ShOP AROUND For The MOST ADVANTAGEOUS

CARDA great way to keep your revolving credit card payments manageable is to shop around for the card with the most advantageous rates and perks. By seeking low interest offers for new cards or negotiating lower rates and perks with your existing card providers, you have the ability to realize substantial savings, each and every year with cash backs and air miles to go for your travels.

Connect with your credit card providerMake friends with your credit

card issuer. Most major credit card issuers have a Facebook page. They might offer perks for those that "friend" them. They also use the forum to address customer complaints, so it is to your advantage to add your credit card company to your friend list. This applies, even if you don't like them very much!

Keep a record of your credit card numbers and

emergency contact informationKeep a record of your unsecured credit card numbers and the emergency contact information of your various lenders. Keep your list in a safe place that is separate from your cards. The list will prove invaluable if you lose your cards or if they are stolen.

Do not document your your pin numberDo not document your

password or pin number. You must remember the number so that others can't access your account. Keeping your card and the PIN in the same location is an open invitation to thieves and fraudulent people.

Keep one Credit card with you Keep one low-limit card in your

wallet for emergency expenses only. All other cards should be kept at the hotel safe, to avoid impulse buys that you can't really afford. If you need a card for a large purchase, you will have to knowingly get it from the safe and take it with you. This will give you extra time to think about what you are buying.

Only take cash advances when you

need toOnly take cash advances from your credit card when you absolutely have to. The finance charges for cash advances are very high especially abroad, and very difficult to pay off. Only use them for situations in which you have no other option. But you must truly feel that you will be able to make considerable payments on your credit card, soon after.

Check your credit card statements when you come

homeMake sure that you pore over your credit card statement once you come home to make sure that every single charge on your bill has been authorized by you. Many people fail to do this and it is much harder to fight fraudulent charges after a lot of time has passed.

Join our community!

New Horizon Business Services, Inc.

NewHorizon.Org

NewHorizon.Org